Defendant shall be punished by imprisonment for a term of one year and six months.

Punishment of the crime

On May 2016, the Defendant sent text messages to the victim B and received interest on the part of the designer who works for an insurance company, by sending text messages to the victim B. “The Defendant borrowed money from the part of the designer working for the insurance company on a short-term basis due to the payment of premiums, and borrowed money to him/her. If the Defendant made an investment, he/she will guarantee the principal and pay interest at 60% per annum.”

However, in fact, the Defendant did not have received interest from the insurance solicitors by lending money to the insurance solicitors, used the payment of personal debt with money from the victim, and intended to use the term “componing” method for paying the principal and interest of investment to the said victims. The Defendant’s profit was insufficient to pay the interest to the victims, and there was no ability to pay the principal and interest to the victim in time.

From May 25, 2015 to December 23, 2017, the Defendant received 63,000,000 won from the victim to the Agricultural Cooperative (C) account under the name of the Defendant, and received 241,00,000 won in total from the four victims until April 30, 2018, as shown in attached Table 1.

As a result, the Defendant, by deceiving victims, received property, and, without obtaining authorization, permission, registration, or reporting pursuant to the Act and subordinate statutes, agreed to pay the full amount of investment or an amount exceeding the amount of investment in the future, and received money without delay.

The defendant and the victim D, who met or become aware of at a regular game meeting, of 2019 order 8355.

Around April 26, 2018, the Defendant made a phone call to the victim at a place where it is unknown to the Incheon or lower level.

It is paid interest by lending money to the FC (insurance solicitor) that manages the VIP team in the insurance company, and the long-term interest rate is 30% per annum, and the principal is paid after one year, and the short-term is.